MALAYAN BANKING BERHAD

INTRODUCTION
Malayan Banking Berhad (trading as Maybank) is the largest bank and financial group in
Malaysia,with significant banking operations in Singapore, Indonesia and the Philippines.
The bank also has large interests in Islamic banking through Maybank Islamic Berhad and
insurance via its Etiqa subsidiary. Maybank is the largest bank in Malaysia with 401 domestic
branches. Maybank is the largest listed company on the Malaysian Stock Exchange, Bursa
Malaysia, with a market capitalisation of RM89.6 billion (USD27.9 billion) as of 30 June
2014. Maybank was founded by Malaysian business tycoon Khoo Teck Puat, who died in
2004. The company was led by President and CEO Amirsham Abdul Aziz from 2002 until
March 2008 after which he was appointed Minister in the Prime Minister's Department in-
charge of the Economic Planning Unit, a post he held until April 2009. Dato' Sri Abdul Wahid
Omar was President & CEO of Maybank Group from May 2008 to June 2013. On 2 August
2013, Datuk Abdul Farid Alias, Maybank's Deputy President and Head of Global Banking,
was appointed as President & CEO of Maybank Group

1
CORE BUSINESS(MAYBANK)

2
ORGANIZATION CHART

3
 STANDARD CHARTERED BANK

INTRODUCTION
Standard Chartered has a history of over 150 years in the UK. Its headquarters are based at 1
Basinghall Avenue, London, and both the Group CEO and Chairman are situated here.

Standard Chartered is regulated by the Prudential Regulation Authority and the Financial
Conduct Authority and is one of the UK's largest banks. It has been listed on the London
Stock Exchange since 1969 and is currently a top 20 FTSE company and among the top five
largest banks by market capitalisation.

The Chartered Bank began when Queen Victoria granted a Royal Charter to Scotsman James
Wilson in 1853. Chartered opened its first branches in Mumbai, Kolkata and Shanghai in
1858, followed by Hong Kong and Singapore in 1859. The Bank started issuing banknotes of
the Hong Kong dollar in 1862.

The Standard Bank was a British bank founded in the Cape Province of South Africa in 1862
by Scot, John Paterson. Having established a considerable number of branches, Standard was
prominent in financing the development of the diamond fields of Kimberley from 1867 and
later extended its network further north to the new town of Johannesburg when gold was
discovered there in 1885. Half the output of the second largest gold field in the world passed
through The Standard Bank on its way to London. Standard expanded widely in Africa over
the years, but from 1883 to 1962 was formally known as the Standard Bank of South Africa.
In 1962 the bank changed its name to Standard Bank Limited, and the South African
operations were formed into a separate subsidiary which took the parent bank's previous
name, Standard Bank of South Africa Ltd.

4
CORE BUSINESS(SERVICES)
1)SAVINGS ACCOUNT- We offer a wide choice of savings accounts with competitive
interest rates and the option to save in local or foreign currencies.You also have the added
convenience of getting easy access to your money when you're abroad.

2) LOANS

-Personal Loans
Whether you're planning a vacation, redecorating your home or supporting your child through
college, a personal loan will give you the extra funds you need. You can even use it as a
standby line of credit for unforeseen expenses.Depending on your specific credit needs, you
can take out an instalment loan or a revolving loan without any guarantee or
collateral.Whichever option you choose, we'll help you stay in control of your finances and
make the most of life's opportunities and experiences

3)CREDIT CARDS-Our credit cards are accepted at outlets across the world and are
designed to give you greater flexibility and round-the-clock convenience.Whether you're
looking for extended repayment terms, special cardholder privileges or an attractive rewards
programme, we have the ideal credit card to suit you and your lifestyle.

5
ORGANIZATION CHART (STANDARD CHARTERED BANK)

Chairman of Standard Chartered PLC.

Sir John joined the Board of Standard Chartered PLC in 2007 as Deputy Chairman and was
appointed Chairman in 2009. He is also Chairman of Burberry Group plc.

Group Chief Executive

Peter Sands joined the Board of Standard Chartered PLC as Group Finance Director in May
2002. Before his appointment as Group Chief Executive he was responsible for Finance,
Strategy, Risk and Technology and Operations

6
 Group Finance Director and Group Executive Director of Standard Chartered

Andy Halford is based in London and is responsible for Finance and Corporate Treasure

7
2)FOR EACH COMPANY,STATE TWO(2) COUNTRIES THAT THEY ARE INVOLVED
IN DOING INTERNATIONAL BUSINESS ACTIVITIES.

MALAYAN BANKING BERHAD

COUNTRIES BACKGROUND

8
POLITICAL AND ECONOMIC SYSTEM PRACTICES

9
CULTURE

MODE OF ENTRY
10
 STANDARD CHARTERED BANK

COUNTRIES BACKGROUND
11
 MALAYSIA
Malaysia is a federal constitutional monarchy
located in Southeast Asia. It consists of
thirteen states and three federal territories and South Korea. The Seoul Capital Area, which
has a total landmass of 329,847 square
kilometres (127,350 sq mi) separated by the
South China Sea into two similarly sized
regions, Peninsular Malaysia and East
Malaysia (Malaysian Borneo). Peninsular
Malaysia shares a land and maritime border
with Thailand and maritime borders with
Singapore, Vietnam, and Indonesia. East
Malaysia shares land and maritime borders
with Brunei and Indonesia and a maritime
border with the Philippines. The capital city
is Kuala Lumpur, while Putrajaya is the seat
of the federal government. In 2010 the
population was 28.33 million, with 22.6
million living in Peninsular Malaysia. The
southernmost point of continental Eurasia,
Tanjung Piai, is in Malaysia, located in the
tropics. It is one of 17 megadiverse countries
on earth, with large numbers of endemic
species.
Malaysia has its origins in the Malay
Kingdoms present in the area which, from the fountain.The birthplace of K-pop and the
18th century, became subject to the British
Empire. The first British territories were
known as the Straits Settlements, whose
establishment was followed by the Malay
kingdoms becoming British protectorates.
The territories on Peninsular Malaysia were
first unified as the Malayan Union in 1946.
12
KOREA(SEOUL)
Seoul(Korean: officially the Seoul Special
City) is the capital and largest metropolis of
includes the surrounding Incheon metropolis
and Gyeonggi province, is the world's second
largest metropolitan area with over 25.6
million people,home to over half of South
Koreans along with 632,000 international
residents.Situated on the Han River, Seoul's
history stretches back more than 2,000 years
when it was founded in 18 BCE by Baekje,
one of the Three Kingdoms of Korea. It
continued as the capital of Korea under the
Joseon Dynasty. The Seoul Capital Area
contains five UNESCO World Heritage Sites:
Changdeok Palace, Hwaseong Fortress,
Jongmyo Shrine, Namhansanseong and the
Royal Tombs of the Joseon Dynasty.Seoul is
surrounded by mountains, the tallest being
Mt. Bukhan, the world's most visited national
park per square foot.Modern landmarks
include the iconic Dongdaemun Design
Plaza, Lotte World, the world's second largest
indoor theme park and Moonlight Rainbow
Fountain, the world's longest bridge
Korean Wave, Seoul was voted the world's
most wanted travel destination by Chinese,
Japanese and Thai tourists for three
consecutive years in 20092011 with over 12
million international visitors in 2013,making
it East Asia's most visited city and the world's
7th biggest earner in tourism.
Malaya was restructured as the Federation of
Malaya in 1948, and achieved independence Today, Seoul is considered a leading and
on 31 August 1957. Malaya united with rising global city, resulting from an economic
North Borneo, Sarawak, and Singapore on 16 boom called the Miracle on the Han River
September 1963, with si being added to give which transformed it from the ashes of the
the new country the name Malaysia. Less Korean War to the world's 4th largest
than two years later in 1965, Singapore was metropolitan economy with a GDP of
expelled from the federation. US$774 billion[14] in 2012 after Tokyo, New
York City and Los Angeles.
The country is multi-ethnic and multi-
cultural, which plays a large role in politics.
The constitution declares Islam the state
religion while protecting freedom of religion.
The government system is closely modelled
on the Westminster parliamentary system and
the legal system is based on common law.
The head of state is the king, known as the
Yang di-Pertuan Agong. He is an elected
monarch chosen from the hereditary rulers of
the nine Malay states every five years. The
head of government is the Prime Minister.

13
POLITICAL AND ECONOMIC SYSTEM PRACTICES
MALAYSIA
POLITICAL(USING DEMOCRACY)
The politics of Malaysia takes place in the
framework of a federal representative
democratic constitutional monarchy, in which representative democratic republic, whereby
the Yang di-Pertuan Agong is head of state
and the Prime Minister of Malaysia is the
head of government. Executive power is
exercised by the federal government and the
13 state governments. Federal legislative
power is vested in the federal parliament and
the 13 state assemblies. The judiciary is
independent of the executive and the
legislature, though the executive maintains a
certain level of influence in the appointment
of judges to the courts.
The Constitution of Malaysia is codified and
the system of government is based on the
Westminster system. The hierarchy of
authority in Malaysia, in accordance to the
Federal Constitution, has stipulated the three
branches (administrative components) of the
Malaysian government as consisting of the
Executive, Judiciary and Legislative branch.
Whereas, the Parliament consists of the
Dewan Negara (Upper House / House of
Senate) and Dewan Rakyat (Lower House /
House of Representatives).
Malaysia has a multi-party system since the
14
KOREA(SEOUL)
POLITICAL(USING DEMOCRARCY)
Politics of the Republic of Korea takes place
in the framework of a presidential
the President is the head of state, and of a
multi-party system. Executive power is
exercised by the government. Legislative
power is vested in both the government and
the National Assembly. The Judiciary is
independent of the executive and the
legislature and comprises a Supreme Court,
appellate courts and a Constitutional Court.
Since 1948, the constitution has undergone
five major revisions, each signifying a new
republic. The current Sixth Republic began
with the last major constitutional revision in
1987
The head of state is the president, who is
elected by direct popular vote for a single
five-year term. The president is Commander-
in-Chief of the armed force of South Korea
and enjoys considerable executive powers.
The president appoints the prime minister
with approval of the National Assembly, as
well as appointing and presiding over the
State Council of chief ministers as the head
of government. On 12 March 2004 the
executive power of then president Roh Moo-
first direct election of the Federal Legislative
Council of Malaya in 1955 on a first-past-
the-post basis. The ruling party since then has Goh Kun became an Acting President. On 14
always been the Alliance Party (Malay: Parti
Perikatan) coalition and subsequently from
1973 onwards, its successor the Barisan
Nasional (National Front) coalition. The
Barisan Nasional coalition currently consists
of the United Malays National Organisation
(UMNO), Malaysian Chinese Association
(MCA), Malaysian Indian Congress (MIC)
and 11 other political parties.
ECONOMICS(MIXED ECONOMY)
15
hyun was suspended when the Assembly
voted to impeach him and Prime Minister
May 2004 the Constitutional Court
overturned the impeachment decision made
by the Assembly and Roh was reinstated.
National Assembly of South Korea in Seoul.
The National Assembly has 300 members,
elected for a four-year term, 244 members in
single-seat constituencies and 56 members by
proportional representation.
The South Korean judiciary is independent of
the other two branches. The highest judiciary
body is the Supreme Court, whose justices
are appointed by the president with the
consent of the National Assembly. In
addition, the Constitutional Court oversees
questions of constitutionality. South Korea
has not accepted compulsory ICJ jurisdiction.
For other political parties see Political parties
in South Korea.The main political parties in
South Korea are the Saenuri Party(NFP), the
New Politics Alliance for Democracy(NPAD,
former Democratic Party), the Unified
Progressive Party (UPP), and the Justice
Party.
ECONOMICS(MARKET ECONOMY)
Malaysia was a mixed economy, Malaysia
are attempts to combine the advantages of
Free Enterprise System and the Central
Command System. The price mechanism is
allowed to operate but in some cases the
price mechanism fails or works against
public interest. The mixed economies in
Malaysia some are controlled by government
some are private. The government have
authority to intervene the market and
economy sector, but not totally can control it.
The government can help the business people
according the government legislation and
regulation and market are not only included
the seller, that is included the buyer, the
government also have to help the consumer
as make sure that the consumer are satisfy or
agree that the prices of goods and services
provided by the seller.
16
South Korea's market economy ranks 15th in
the world by nominal GDP and 12th by
purchasing power parity (PPP), identifying it
as one of the G-20 major economies. It is a
developed country with a high-income
economy and is the most industrialised
member country of the OECD. South Korea
is the only developed country to have been
included in the group of Next Eleven
countries.
South Korea's economy was one of the
world's fastest-growing from the early 1960s
to the late 1990s, and South Korea is still one
of the fastest-growing developed countries in
the 2000s, along with Hong Kong,
Singapore, and Taiwan, the other three Asian
Tigers.South Koreans refer to this growth as
the Miracle on the Han River.The South
Korean economy is heavily dependent on
international trade, and in 2010, South Korea
was the sixth largest exporter and tenth
largest importer in the world.
CULTURE
MALAYSIAN
RELIGION
The Malaysian constitution guarantees
freedom of religion while making Islam the
state religion.According to the Population
and Housing Census 2010 figures, ethnicity
and religious beliefs correlate highly.
Approximately 61.3% of the population
practice Islam, 19.8% practice Buddhism,
9.2% Christianity, 6.3% Hinduism and 1.3%
practice Confucianism, Taoism and other
traditional Chinese religions. 0.7% declared
no religion and the remaining 1.4% practised
other religions or did not provide any
information.Sunni Islam of Shafi'i school of
jurisprudence is the dominant branch of
Islam in Malaysia.
EDUCATION
17
KOREA(SEOUL)
RELIGION
Christianity is South Korea's largest religion,
accounting for more than half of all South
Korean religious adherents. There are
approximately 13.7 million Christians in
South Korea today, about 63% of Christians
belong to Protestant churches, while about
37% belong to the Roman Catholic Church.
Fewer than 30,000 South Koreans are
thought to be Muslims, but the country has
some 100,000 resident foreign workers from
Muslim countries, Bangladesh and Pakistan.
Korean shamanism, today known as Muism
(religion of the shaman) or Sinism (religion
of the gods) encompasses a variety of
indigenous religious beliefs and practices of
the Korean people and the Korean sphere.In
contemporary South Korea, the most used
term is Muism and a shaman is known as a
mudang or Tangol. Since the early 2000s, this
religion has regained popularity among
Koreans
EDUCATION
Education in Malaysia is overseen by the
Ministry of Education (Kementerian
Pendidikan). Although education is the
responsibility of the federal government,
each state and federal territory has an
Education Department to co-ordinate
educational matters in its territory. The main
legislation governing education is the
Education Act of 1996.
The education system is divided into
preschool education, primary education,
secondary education, post-secondary
education and tertiary education. Education
may be obtained from the multilingual public
school system, which provide free education
for all Malaysians, or private schools, or
through homeschooling. By law, primary
education is compulsory. As in many Asia-
Pacific countries such as the Republic of
Korea, Singapore and Japan, standardised
tests are a common feature. Currently, there
are 37 private universities, 20 private
university colleges, seven foreign university
branch campuses and 414 private colleges in
Malaysia
LANGUAGE
18
South Korea's education system is
technologically advanced and it is the world's
first country to bring high-speed fibre-optic
broadband internet access to every primary
and secondary school nation-wide. Using this
infrastructure, the country has developed the
first Digital Textbooks in the world, which
will be distributed for free to every primary
and secondary school nation-wide by 2013.
A centralised administration in South Korea
oversees the process for the education of
children from kindergarten to the third and
final year of high school. South Korea has
adopted a new educational program to
increase the number of their foreign students
through 2010. According to Ministry of
Education, Science and Technology estimate,
by that time, the number of scholarships for
foreign students in South Korea will be
doubled, and the number of foreign students
will reach 100,000.The school year is divided
into two semesters, the first of which begins
in the beginning of March and ends in mid-
July, the second of which begins in late
August and ends in mid-February.
LANGUAGE
Malaysian (Malay: Bahasa Malaysia), or
Standard Malay, is the official language of
Malaysia and a standardized register of the
Malacca dialect of Malay. It is over 95%
cognate with Indonesian and is spoken
natively by over 10 million people. As a
second language, it is spoken by an estimated
18 million, mostly Malaysians from ethnic
minorities.It is a compulsory subject in
primary and secondary school.
The Malaysian name for the language is
Bahasa Malaysia (literally "the language of
Malaysia"). This term is occasionally found
in English.
MODE OF ENTRY
19
Korean is the official language of South
Korea and North Korea as well as one of the
two official languages in China's Yanbian
Korean Autonomous Prefecture.
Approximately 80 million people speak
Korean worldwide. For over a millennium,
Korean was written with adapted Chinese
characters called hanja, complemented by
phonetic systems like hyangchal, gugyeol,
and idu. In the 15th century, a national
writing system called Hangeul was
commissioned by Sejong the Great, but it
only came into widespread use in the 20th
century, because of the yangban aristocracy's
preference for hanja.
Some historical linguists classify Korean as a
language isolate,while others consider it to be
in the controversial Altaic language
family.The Korean language is agglutinative
in its morphology
20